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Health Insurance for Non- Lucrative visa

Posted: Sat Jul 24, 2021 9:13am
11 replies193 views7 members subscribed
Kamran

Posts: 15

5 helpful points

Location: Calahonda

Joined: 2 Sep 2020

My wife and I have been looking for a private health insurance suitable for non-lucrative visa. We are both 73. We have had three quotes, all over €300/month. Does anybody know if this Is this reasonable?

Many thanks.

TeresaB

Posted: Sat Jul 24, 2021 3:06pm

TeresaB

Helpful member

Posts: 127

59 helpful points

Location: Coin

Joined: 20 Oct 2019

Posted: Sat Jul 24, 2021 3:06pm

Gosh that sounds expensive. We pay 124€ per month for the two of us - ours is with DKV.  

Kamran

Posted: Sat Jul 24, 2021 3:22pm

Kamran

Original Poster

Posts: 15

5 helpful points

Location: Calahonda

Joined: 2 Sep 2020

Posted: Sat Jul 24, 2021 3:22pm

TeresaB wrote on Sat Jul 24, 2021 3:06pm:

Gosh that sounds expensive. We pay 124€ per month for the two of us - ours is with DKV.  

Thank you. It might be our age.

Kerri

Posted: Sun Jul 25, 2021 8:31am

Kerri

Helpful member

Posts: 343

131 helpful points

Location: Casares

Joined: 5 Sep 2018

Posted: Sun Jul 25, 2021 8:31am

I have heard of people over 70 with minor health issues being refused.  If you can even get insurance over 70 I would think its good.  

However, I would try a broker before going direct.  They can scan insurers you do not have access to and will become a go between should you have any issues.  And the insurance companies here in Spain do not (bar one that I know of - the most expensive one) speak English at all.  They might say they have an  English speaker but try to get them on the phone, forget it.

So a broker can help you if you need it at some point.

Kamran

Posted: Sun Jul 25, 2021 1:50pm

Kamran

Original Poster

Posts: 15

5 helpful points

Location: Calahonda

Joined: 2 Sep 2020

Posted: Sun Jul 25, 2021 1:50pm

Kerri wrote on Sun Jul 25, 2021 8:31am:

I have heard of people over 70 with minor health issues being refused.  If you can even get insurance over 70 I would think its good.  

However, I would try a broker before going direct.  They can scan insurers you do not have access to and will become a go between should you have any issues.  And the insurance companies here in Spain do not (bar one that I know of - the most expensive one) speak English at all.  T...

...hey might say they have an  English speaker but try to get them on the phone, forget it.

So a broker can help you if you need it at some point.

Thank you very much for that. It’s helpful.

Del1959

Posted: Mon Jul 26, 2021 8:18am

Posts: 2

Location: Calahonda

Joined: 28 Dec 2020

Posted: Mon Jul 26, 2021 8:18am

Kamran wrote on Sat Jul 24, 2021 3:22pm:

Thank you. It might be our age.

I found Sanitas good and i am a pensioner.  They have offices in various places and English admin staff, worth a try, good luck!

cjoncamp

Posted: Wed Jul 28, 2021 10:57am

Posts: 26

10 helpful points

Location: Torrequebrada

Joined: 21 Nov 2019

Posted: Wed Jul 28, 2021 10:57am

Hi. 
we are also going thru the NLV process and also having to get health insurance. We are both in our 60’s and after a bit of searching we chose ASSSA and we have to pay 3500€ a year but that is for the premium cover and there is no annual increase it stays that price every year, others we looked at were also about the same price They are English speaking and very helpful. Please also note that part of the NLV process you have to pay the yearly fee up front for the first year then monthly the years after that. 

Bryan61

Posted: Wed Jul 28, 2021 11:22am

Posts: 14

3 helpful points

Location: Mijas Golf

Joined: 25 Apr 2021

Posted: Wed Jul 28, 2021 11:22am

cjoncamp wrote on Wed Jul 28, 2021 10:57am:

Hi. 
we are also going thru the NLV process and also having to get health insurance. We are both in our 60’s and after a bit of searching we chose ASSSA and we have to pay 3500€ a year but that is for the premium cover and there is no annual increase it stays that price every year, ot...

...hers we looked at were also about the same price They are English speaking and very helpful. Please also note that part of the NLV process you have to pay the yearly fee up front for the first year then monthly the years after that. 

We are in the same boat and are scouring the market.

AXA was by far the best offer we got.

Sally120118

Posted: Wed Jul 28, 2021 8:28pm

Posts: 1

Location: Duquesa

Joined: 11 Mar 2021

Posted: Wed Jul 28, 2021 8:28pm

Can I just ask....if you have residency in Spain and are in receipt of a UK state pension, can you not use an NHS S1 form to access medical healthcare?

Kamran

Posted: Wed Jul 28, 2021 8:40pm

Kamran

Original Poster

Posts: 15

5 helpful points

Location: Calahonda

Joined: 2 Sep 2020

Posted: Wed Jul 28, 2021 8:40pm

Bryan61 wrote on Wed Jul 28, 2021 11:22am:

We are in the same boat and are scouring the market.

AXA was by far the best offer we got.

Thank you very much. I’ll search for AXA.

Regards 

Ka

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